I mean, historically, if you look at our beta today, right, we're around 34%. In the last upgrade cycle, we kind of maxed out at 35%, it seems reasonable to assume that, but that would take kind of more in the medium term, longer term to catch back up, probably the medium term with deposit rate lags to catch up and have that benefit. Okay, great. Thank you for all the color. Appreciate it. Our next question comes from Frank Schiraldi from Piper Sandler. Please go ahead with your question. Yes. I think, you ...

4Q22 રે दे 403 42 28 447 458 discount of acquired loans (non-GAAP) $ 32,323 $ 30,673 discount of acquired loans / total loans and leases (non-GAAP) 1.48 % Allowance for credit losses on loans and leases / total loans and 1.32 % leases Net loan charge-offs Cautionary Statement Regarding Forward-Looking Information FNB's forward-looking statements are subject to the following principal risks and uncertainties: • Our business, financial results and balance sheet values are affected by business, economic and po ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the quarterly period ended September 30, 2023 ☐ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31940 F.N.B. CORPORATION (Exact name of registrant as specified in its charter) | Pennsylvania | | | | 25-1255406 | | --- | --- ...

F.N.B. Corporation (NYSE:FNB) Q3 2023 Earnings Conference Call October 19, 2023 8:30 AM ET Gary Guerrieri - Chief Credit Officer Michael Perito - KBW Operator I'd now like to turn the conference over to Lisa Hajdu. Please go ahead. I will now turn the call over to Vince Delie, Chairman, President and CEO. Total deposits ended the third quarter at $34.6 billion, a 2.3% increase from the second quarter while maintaining a relatively stable mix of non-interest-bearing deposits of 31%. Our third quarter linked ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the quarterly period ended June 30, 2023 ☐ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31940 F.N.B. CORPORATION (Exact name of registrant as specified in its charter) | Pennsylvania | | | | 25-1255406 | | --- | --- | -- ...

F.N.B. Corporation (NYSE:FNB) Q2 2023 Earnings Conference Call July 20, 2023 8:30 AM ET Gary Guerrieri - Chief Credit Officer Frank Schiraldi - Piper Sandler Operator Thank you. Good morning and welcome to our earnings call. This conference call of F.N.B. Corporation and the reported files with the Securities and Exchange Commission also contain forward-looking statements and nonGAAP financial measures. Vince Delie By pre-filling numerous fields, the Common Application minimizes customer keystrokes and sign ...

$ 23 | --- | --- | --- | --- | --- | --- | --- | |-----------------------------------------------------------------------------------|-------|---------|-------|------------------------------|-------|---------| | Tangible book value per common share (dollars in millions, except per share data) | | 2Q23 | | For the Quarter Ended \n1Q23 | | 2Q22 | | Total stockholders' equity | $ | 5,818 | $ | 5,787 | ട് | 5,436 | | Less: Preferred stockholders' equity | | (107) | | (107) | | (107) | | Less: Intangible assets ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 For the quarterly period ended March 31, 2023 ☐ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31940 F.N.B. CORPORATION (Exact name of registrant as specified in its charter) FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 | Pennsylvania | | | | 25-1255406 | | --- | --- | - ...

Full year provision guidance remains $65 million to $85 million and is dependent on net loan growth, potential CECL model-related builds from a softer macroeconomic environment. Our conservative business practices have positioned FNB to sustain solid performance during turbulence in our industry. We ended the first quarter with a strong capital position and stable deposit base and are confident that we are poised to capitalize on this foundation in the monsoon. FNB's financial performance is directly correl ...

7 FNB Continues to Serve All its Stakeholders (1) A non-GAAP measure, refer to Non-GAAP to GAAP Reconciliation for further information. Maintain Efficiency and Expense Control Build a Durable, Scalable Infrastructure Promote Core Values including Diversity & Inclusion | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |------------------------------------------------------------------------------------------------------------------------------------------------------------------------ ...